ARTIFICIAL INTELLIGENCE IN THE ERA OF DIGITAL CURRENCY TRANSFORMATION: AS FINTECH INNOVATIONS

In recent years, financial technologies (FinTech) have gained significant importance due to their potential to bridge economic gaps, reduce income inequality, and open up financial opportunities for individuals. At the national level, access to and affordability of banking services is no longer a luxury, but a fundamental human need and a pillar of economic development. Today, the application of quantum computing in the FinTech industry offers vital solutions, including digital wallets, digital payments, and various payment schemes, which have brought substantial changes to the financial services market. In the modern world of digital transformation, financial assets and new digital tools have secured their place in the economy and financial sector. Digital operations can be compared to the branching of the circulatory and nervous systems within the human/economic organism. Currently, there is a growing interest in the functioning of various payment systems and the organization of their operations. This interest has been especially evident in the context of the Russia–Ukraine war, where increasing uncertainties have made it necessary to apply diverse payment schemes to prevent disruption in the financial circulatory system. Nowadays, it is common for virtual trading platforms, social networks, and online communities to develop their own payment systems and distribute their digital currencies for the exchange of products and services they offer – thus contributing to the creation and promotion of new forms of virtual money.